The lottery is a tax, an inefficient, regressive, and exploitative tax

In 2014, Americans spent $70 billion on the lottery.

When I read this fact back in May, I thought it was one of the craziest stats I had ever seen. That’s over $630 for every household in the U.S.! It sounds absurd.

Then again, the very concept of state-run lotteries is absurd.

From “don’t drink and drive” and “just say no to drugs” to “buckle up for safety” and “the truth about smoking,” our government takes a protectionist and proactive stance. Yet, when it comes to the lottery, the government spends about $1 billion per year in advertising that encourages risky behavior!

“for every dollar raised for the state by a lottery an additional 52 cents must be taken in to pay the expenses of raising that dollar”

After taxes, winners receive only about 31 cents in prizes for each dollar of ticket sales.

About 51 cents go to taxes, city, state, and federal.

The remaining 18 cents are the Lottery’s expenses. These costs are what make lotteries so inefficient. In short, for every tax dollar it raises, the New York Lottery must raise an additional 36 cents to pay for the expenses of raising that dollar. For comparison, the IRS expends less than a cent for each dollar it raises.

You may be wondering why no part of that dollar ends up with the public education system. Like most other state lotteries, New York’s lottery was founded for the “sole purpose” of funding public education. So why isn’t that where the money ends up?

When lotteries give money for education, tax dollars get pulled out and spent elsewhere

“a portion of your sale goes to aid New York State schoolchildren.” TV ad

Most state lotteries pre-commit, or earmark, their money for a particular cause, usually education. This should come as no surprise if you’ve ever seen a lottery commercial. Supporting a “good cause” is one of the primary messages they use to promote themselves, both to players and to the voting public.

It’s true that lottery money does go to into a special fund for education. But that only serves to free up tax dollars, which get pulled out of education and spent elsewhere. And in the end the schools are no better off.

In the case of New York, the state Comptroller called this idea a “myth” in a 1998 report, stating “lottery earnings have been earmarked for education primarily as a public relations device.” A 2013 investigation by City Limits reached a similar conclusion.

And it’s not just a problem for New York. Many studies have examined the question on a national level and found the same to be true everywhere. Whatever money lotteries provide for education is offset by a reduction in funding from the state.

“…the introduction of an education lottery fails to significantly increase state education expenditures. Instead, unrelated expenditures increase. Thus, the lottery does not change government’s contribution to education.” – Centre for Market and Public Organisation

If it’s more efficient to raise money through taxes, and it all ends up in the same place anyway, why do we have lotteries at all?

You may point out that there is one key difference between lotteries and taxes, which makes the two incomparable. Lotteries are not taxes because they are voluntary, right?

The lottery is not a tax. The inflated price of lottery tickets is.

It’s common to hear people call the lottery a tax on people who are bad a math / a tax on the stupid, but is it really fundamentally different from a tax?

I wrote a post back in June examining the lottery as a tax, and it led to several debates about this very question.

To settle the matter, I reached out to an expert, Professor Ross Rubenstein, an education policy and public finance researcher at Georgia State who has authored several papers on lotteries.

According to professor Rubenstein, “Revenues raised by lotteries can be viewed as an excise tax on one item – lottery play.” He sums it up well in this article published in the National Tax Journal.

If a competitive market existed for lottery products, it is unlikely that each firm’s profits would approach 35 percent of revenues. Although purchases of lottery tickets are “voluntary,” the implicit tax on a dollar spent on a lottery product is not voluntary, just as sales taxes paid on purchased goods are not voluntary.

Choosing to play the lottery is voluntary. But much like sales taxes, the inflated price of lottery tickets is not.

It is illegal for anyone but the state to run a lottery. So unlike casinos, which face competition from other casinos, lotteries operate as a monopoly, so they can set their pricing artificially high, or equivalently, their payout rates artificially low.

It’s not a tax on the stupid. It’s a tax on addicts, and their families.

More than half of U.S. adults play the lottery occasionally, but only a small percentage of those players account for most of the sales. According one report, 54% of lottery sales come from only 5% of players (roughly 2.5% of U.S. adults).

Pathological gambling is most prevalent in those with low income and low education (Source: SEIGMA)

Money for lotteries literally comes off their families’ plates

Between 1982 and 1998, 21 states introduced a lottery. This is how low income household spending changed in response. Nearly all of the lottery gambling was paid for by spending less on non-gambling items, including clothing, food, and rent.

These numbers are the average over all low income households. For the families that do play the lottery, particularly families of problem gamblers, the spending reductions would be substantially greater.

“the effect of lottery advertising is to create an impression that winning is easy”

Lotteries are exempt from the Federal Trade Commission truth-in-advertising laws. Instead, the states are self-regulating, allowing lotteries to get away with misleading and predatory advertising far beyond what private businesses are allowed.

Stated odds of winning: 1 in 4.82. Odds of winning something of value: 1 in 10.1.

Take, for example, the Louisiana Lottery’s Tic Tac 2s instant win game. On the back of the ticket, it states, “approximate odds of winning are 1:4.82.”

What it doesn’t mention is that more than half of these “winners” don’t actually win anything of value, just another losing ticket. The odds of winning a cash prize, which is all anyone cares about,are only 1 in 10.1. And even then, most will only win $2 or $3. The odds of winning a prize worth more than $30 are 1 in 2944.

Lotteries also intentionally direct these advertisements to low income and minority communities.

What is the solution?

Lotteries are portrayed as a form of voluntary entertainment that serves a good cause. But as the data shows, they are really just a predatory and inefficient tax. They exploit families that are struggling with addiction, and they do so by misleading them into thinking winning is easy.

Is the solution to ban lotteries altogether? I don’t think so. There is clearly demand for this type of gambling, so the focus should be on providing it in a way that is not exploitative.

The government should get out of the lottery-for-profit business. Their incentives are completely at odds with the government’s responsibility to protect the welfare of its citizens.

The government could offer a lottery alternative that actually benefits the players, such as prize-linked savings accounts. So far, most state governments have prevented businesses from offering them, though there are a few exceptions. The most notable are Michigan, Nebraska, Washington and North Carolina, all of which allow credit unions to offer prize-linked accounts. Collectively, they have generated $94M of savings, with 60% of the participants identified as “financially vulnerable.”

Allow private businesses to offer lotteries and compete with each other. Doing so would improve the odds for players, and it would allow the government to regulate them without conflicts of interest.

At the very least, if state governments are going to continue offering lotteries, they need to be regulated at the federal level and with the same standards as private businesses.

In practical terms, there is one thing you can you do right now. If you have 30 seconds to spare, you can join the conversation at Stop Predatory Gambling.

I'm an NYC-based entrepreneur (my newest project: Blueshift) and adjunct instructor at UPenn. I'm fascinated by data visualization and the ways that data is transforming our understanding of the world. I spend a lot of time with my face buried in Excel, and when I find something interesting I write about it here and also as a Guardian Cities and Huffington Post contributor.More about my background

Great article. Was definitely surprised to see that books outgross videogames and music, but I guess a substantial part of that is probably education related as opposed to personal choice.

Just one note: `They exploit families that are struggling with addi[c]tion`, though struggling with addition is a rather funny spelling error given the tax on those who are bad at math bit.

http://metrocosm.com/author/mgalka/ Max Galka

Ha! Someone else pointed that out, but I misunderstood. Not incorrect, but not the message I intended.

Stephan B. Feibish

How about the PostCode Lotteries in the United Kingdom and the Netherlands. Does the money actually go and stay with the charities?

http://metrocosm.com/author/mgalka/ Max Galka

Not sure. The National Lotto has received some criticism, but not sure about the Postcode Lottery.

The problem is not unique to lotteries. There is a similar “crowd out” effect that happens between private donations and public funding. When a charitable organization receives a lot of money from donors, it is less likely to receive government funds. So, if the postcode lottery money goes to programs that also receives government funds, I would guess that the result would be the same — more lotto money -> less public funding

Stephan B. Feibish

Sweepstakes can be used as a lottery substitute. Where businesses advertise and “pay the freight”. I might ask businesses to participate in a sweepstakes some day where I have city domain names (vegas, delhi, bangalore,…) and where the lottery is outlawed.

http://metrocosm.com/author/mgalka/ Max Galka

Interesting point. Seems like that could be a very smart marketing strategy.

Oops. Of all the letters I could have omitted, that “m” is an important one. Thanks for pointing it out.

Martyr2

I might have missed it but you also forgot to mention that you are also then taxed on your winnings in the US.

But most of what you have said in this article is pretty much public common knowledge is it not? We all know that states get their cut of money raised in a lottery and which is why it is state regulated, that the odds are worse than casinos and that little if any money goes for the causes they are advertised for (we are talking government here, since when do they spend money wisely?)

Things we do have to keep in mind here about lotteries…

1) If we were to get rid of lotteries, states would then go to imposing taxes on everyone to make up the shortfall. Do we tax players who want a chance to win at their sole discretion or do you tax everyone as mandatory?

2) People choose when to play and in that I don’t think of it as a tax. Corporations send parts of profits from items they sell you to others for “their cut”. We don’t call that a “manufacturers tax”. It is just business.

3) Unlike a tax, you do have an upside of a chance to win. I wouldn’t mind having to pay my usual income tax if it also meant I have a chance of winning no income tax for life. Especially if I got to choose when to pay income tax.

As for addicts, well, that is addiction for you. Lottery or not, people who are addicts are going to be addicted to something. Gambling addicts have addictive tendencies and if we were to remove gambling, they would go and be addicted to something else. That is a social health problem in itself. Gambling / lotteries is just the symptom.

http://metrocosm.com/author/mgalka/ Max Galka

I didn’t really mention it in the text, but the tax on winnings is included in the NY lottery diagram (in NYC you get jammed with a city tax in addition to the state and federal ones).

Yes. It’s pretty obvious that the odds are bad. And also that government is bad with money. Though at least some people think the lotto helps a good cause. In a recent survey, about 15% of lotto players said it was their #1 reason for playing.

You’re right that getting rid of the lottery would mean making up the difference with higher taxes. Though cutting out the lottery’s inefficiency alone would take care of a pretty big piece. Also, the money made by the lotto is enough to make a very big difference in the lives of low income families. But compared to state tax revenues, it’s small. At it shows in one of the charts up there, the lottery isn’t even a big piece of the state’s education budget. Don’t mean to minimize your point though. There would be a cost.

Taxes only apply to the government (for private business, it would be “rent”), and only charges that are imposed by force. You’re “forced” to pay something anytime you make a purchase, but when the price is set by a competitive market, the forces are just supply and demand. For a tax, I think “forced” is meant in the sense of “because of a law/rule.”

On the point about addiction, I would strongly disagree. It would be weird if the government started encouraging people to use street drugs with the logic, “people with addictive tendencies were going to end up addicted anyway.” Some will, but not everyone with addictive tendencies becomes an addict, and many that do are able to recover.

Your arguments make no sense. The lottery is not a “tax”! Nobody forces you to play it. And – unlike sales tax, a lotto ticket gives you the possibility of significant positive payout in the future. These days anytime some libtard doesn’t like the prospect of paying for something, they go around whining calling it a “tax.”

http://metrocosm.com/author/mgalka/ Max Galka

My “argument” is a quote from an article published in the National Tax Journal. If you don’t like that one, here is a Google Scholar search for lottery excise tax, which gives you several thousand others to choose from. If you find one that disputes the concept, please let me know.

fuarizona

a lottery is not a tax.

I really dont care how many politically correct experts are dragged up to “prove” it is not an addiction. You choose to waste your money. You know what an addiction is? An addiction is withdrawal symptoms that send you to the hospital pissing all over yourself. It is not “oh I didnt buy a lottery ticket today, oh well” its your body shutting down and ER docs scrambling to save your life.

That is what is going wrong with our country. We f***ing treat adults like children. Zero personal responsibility, zero consequences for their actions or behavior. And lo and behold people act like children if treated like them. No one forces you to buy that damn ticket. You choose too, if your spouse is so idiotic she lets you waste your money like that well bad news for you she is as dumb as you are.

The lottery is a wonderful system. A way to extract money from idiots and put it to some good. If we didnt have it my taxes would be even higher. I think we should expand it further. If we did it right we could run the entire government on the backs of the idiots while people like me wouldnt have any taxes at all to pay.

Also, your article is one-sided and reads like a propaganda piece written by the casino industry. How much are they paying you?

http://metrocosm.com/author/mgalka/ Max Galka

Personally, I don’t think the people who play are idiots. Even if they were, I don’t see anything “wonderful” about extracting their money.

Gambling addiction is not just something people say, it’s an actual medical disorder.

The implicit lottery tax is not my theory, or even a theory at all. It’s economics.

If you’re saying that people are responsible for their own actions, then you missed the point. The post is about the government, not the people. People *are* responsible for their own actions. So what? That has nothing to do with the government’s responsibility to enforce anti-trust and truth in advertising laws, or its duty behave honestly with the public.

The lottery is a lot like tobacco. It’s voluntary, and if someone chooses to use it, that’s their own business. But it would be pretty strange if the government got into the tobacco business, loaded it’s product with double the nicotine, and started running “cigarettes are healthy” ads.

Excellent post. I would only quibble with the comparison between lotteries and casinos. I would argue that the monopoly position of lotteries and casinos is essentially equivalent, or has been so until recently. A license to operate a casino is tied to a particular location and the value of that license is predicated on an explicit or implicit monopoly on casino gambling in the area, which is essentially the same as a lottery. The NYC-area is an excellent, if possibly unique, example. There is a casino in the city and others within driving distance in CT and NJ. Similarly, one could, perhaps while driving to a casino, buy lottery tickets in NY, NJ, or CT. Is it not possible that the solution to the implicit tax, which you argue is based on the monopoly, would reduced by more lotteries? For instance if each city or charity were able to offer their own lottery, it is logical to suppose the payouts would increase. You can see this phenomenon where there a number of casinos located close together and those casinos don’t/can’t compete on entertainment or the quality of their facilities, such as peripheral Las Vegas and Laughlin.

http://metrocosm.com/author/mgalka/ Max Galka

You make a very good point. Though I think they are different for a few reasons.

If you live in New York, there is a big difference between buying a ticket down the street and driving over to CT to get one that offers better odds. For most people, going to a Casino always involves having to travel. And if you are going to spend the whole evening there, traveling an additional 30 minutes may not be such a big deal.

Also, there are enough places where casinos do compete that they essentially set the price for everyone else. e.g. You may have the only casino on the East Coast, but if people feel your games are a ripoff compared to Las Vegas, they just won’t go.

Maybe that means once one state allows private lotteries, they will all have to start. If someone is out there selling tickets with 90% payouts, it would become much harder to justify yours paying out 50%.

Beth

It is not a tax if it is voluntary. It is one of the few things government does that doesn’t either outright steal money or lose it.

http://metrocosm.com/author/mgalka/ Max Galka

As you’ve no doubt noticed, you’re not the first person to disagree about the lottery being a tax.

When I wrote that, I thought it was a pretty minor point. But about 80% of the comments I’ve received here and on social media are about whether or not the lottery is a tax. Of all the things mentioned here, why is that point so important?

If anyone can explain, I would love to understand why it really matters.

sodacrackers2

It is a tax on poor people who don’t know math.

Robin Nelson

Thanks for the well-documented article, Max. It’ll be interested to see the big lottery sales for the $1.2 billion Powerball will result in an increased school budget in Oregon. There’s so many rabbit holes to follow in the data here…

http://metrocosm.com Max Galka

Thanks Robin. Glad you liked the post. Had to go down many rabbit holes myself to find the data.

Just saw the jackpot is now up to $1.5 billion. Wow!

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Phydeux

Wow, what a buzzkill.
Your first factual mistake is… the lottery is voluntary, taxes are not.

After that, the rest of your argument pretty much falls apart. But hey, kudos to you on making all those snazzy graphics! You should go get a job with Buzzfeed or something equally brain-dead.

http://metrocosm.com Max Galka

Cmon man… On top of all the explanation and expert sources cited in this post, I wrote an entire separate post explaining this. Don’t be lazy, read the argument before you disagree with it.

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I disagree with the headline, which sets the premise for everything else. It’s not my fault the headline creates a false assumption.

http://metrocosm.com Max Galka

You’re killing me Phydeux!! I spent all that time to explain why the lottery *is* in effect a tax. If you have not read it, you don’t even know what you’re disagreeing with.
Go read it. Then, if you disagree, you can come back and tell me *why* it’s wrong.

Phydeux

It cannot be a tax, “in effect” or otherwise, BECAUSE PARTICIPATION IS VOLUNTARY!

A tax, by definition, is an involuntary collection of monies based upon commerce, residence, and so on. And until some IRS agent threatens me with an audit for not playing the Powerball, it’s not a tax.

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Wilson Purity

my name is Purity!!! i am very grateful sharing this great testimonies with you, The best thing that has ever happened in my life is how i win the lottery. I am a woman who believe that one day i will win the lottery.finally my dreams came through when i email:greatpapax@gmail.com. trust and tell him i need the lottery numbers. i have come a long way spending money on ticket just to make sure i win. But i never know that winning was so easy until the day i meant the spell caster online which so many people has talked about that he is very great in casting lottery spell, so i decide to give it a try.I contacted this man and he did a spell and he gave me the winning lottery numbers. But believe me when the draws were out i was among winners. i win 1.200.000 million pounds. dr. trust truly you are the best, with these man you can will millions of money through lottery. i am so very happy to meet these man, i will forever be grateful to you. Email him for your own winning lottery numbers.

Email:greatpapax@gmail.com

Tel:+2348054433427

Jamieson Scott

Are you from America, Europe, Asia Pacific, Africa, Middle East or were ever you are from on earth. I am happy to display my identity that contains my pictures, email address and my home address. I am doing this because of the desperate people online like me before that was just so much confused and don’t know what to do make me fall into wrong and fraud spell casters online hands. Its shocking to me till this moment that i finally won $10,000,000.00 after going to so many places here in the states to get help to make me win lottery in a very easy way. You are really mighty as said by your posts and one of the millions of people you have helped with lottery spell before called Dione Buss. I know many people in the states and in the world has given up on trying to win a lottery or have given up trying to contact a magician or a spell caster for any kind of help to solve any form of difficulty. If you are one of them,you are right by given up. i did give up before on trying to win a lottery,because it was never favorable for me at all as i will always not win. Because i have never won as i have tried my luck several times,i have to go seek for the help of a magician here in the states and i used three magicians to try to win but still to no luck and i spent close to $7,500.00 dollars on the magic help i was getting from this woman here is Florida still no win for me as her magic was not powerful enough to enable me win a lottery. At this point i was devastated and don’t know what to do again that can help. As for me i was getting no younger on my age and i have seen that the only way for me to get millions of dollars was only through lottery because i see my Job to be feeding and taking care of my family and not to save millions of dollars in a life time. After a deep thought again that i am not getting younger, Something inside me said to me that i must not give up on my dream to win millions on lottery someday. My problem was now, Since i can not win lottery with my natural luck and i have tried a magician face to face here in Florida, What will i do next was the question i begin to ask myself for weeks till i stumble on a post by some spell caster that he can grant ones help on anything. I contacted him and he also worked for me and still no luck for me to win lottery after spending almost $7,500.00 dollars on the spell he promised to cast for me to win lottery. To everyone out there, This is my main focus and why i took it upon myself to parade the internet just to tell everybody that needs a spell caster online to be very very careful and know that there are more of lies and fraud spell casters online than just the ones that are real that can grant you 100% result if you contact them. Coming online to seek for a spell caster to cast a spell for me to win lottery was another disaster to me as i was deceived by four spell caster that made away with almost $7,800.00 dollars without result. It was my wife that now came home and showed me the testimony of Dione Buss her colleague in the office refereed her to that won just the sum of £1,888,630 with the help of a spell caster called Dr OTO after telling him about how i have tried to win a lottery. My wife advised me and begged me to give the spell caster a try that she know that i have been hurt badly by other fake spell caster and magician in the past, That she was told that this spell caster called Dr OTO make the impossible possible in life as that is his work and his work is 100% guaranteed to get any form of help from him. Really we contact him and he send us a form to fill out after almost 2 hours of contacting him and we did all he instructed and in just 48 hours he called me personally on the phone to tell me that he is done with my work that i can go try my look that i will win noting less than $15,000,000.00. To me i was just like i have heard all this before either from the magician here or the fake spell caster parading themselves to be to real before. But i did went to try his work and with all heavenly truth his words came to pass just as he has said it. Till this moment all, My mouth is not wide enough to say thank you to him because he really prove to me that there are still hard working spell casters that can make the impossible possible in life. My personal email is {solutionspell@outlook.com} you can reach me also on Facebook to verify more and also you out there that is tired of life either because of one condition or the other you find yourself, I am online this day because of you. Just email solutionspell@yahoo.com to resolve and grant permanent solution to that problem. His spell worked for Dione Buss, That we read his post and it worked for me and without negotiations to you out there it will work for you..

HarrySmith

good day everyone out there my name is jereny michel I want to use this opportunity to thanks to [ the great oluwa] for helping me to win the lottery .I have been playing the lottery for the past 10 years now and the only big money i have ever won was $800 dollar.Ever since then i have not been able to win again and i was so upset and i need help to win the lottery so i decided to go online and search for help,there i saw so many good talk about this man called [the great oluwa] of how he have cast a spell for people to win the lottery.I contact him also and tell him i want to win a lottery he cast a spell for me which i use and i play and won $528.8 million million GBP.I am so greatful to this man just incase you also need him to help you win,you can contact him through his email: oluwajesutemple@gmail.com

best regard
jereny michelNM

Lisa Joy

Hi everybody,I won Lottery of $528.8 (Five Hundred Twenty Eight Million Eight Hundred Thousand Dollars) two weeks ago in Jackpot from 38 lottery play now i have my car and a house.I was introduced to a spell caster called Dr Papo a months ago by a colleague who he helped with lottery and marriage issues. All what he said and what he promised to do really happened.I guess never believed in magic or spells because i thought they were mostly scam acts or tricksters until i met him,everything changed,it exists but only in the right hands and with it everything is possible.I don’t know how to pay him for this but i really hope i can do something important and special for him by telling the world on how i became rich now with his magic lottery spell, he his good in love spell, get your ex back, HIV spell, Pregnancy Spell And other spell if you are in need of any help contact him here DRPAPOSPELLCASTER@GMAIL.COM OR DRPAPOSPELLCASTER@YAHOO.COM

CALL +2347087462033

Jasmine Taylor

My lover returned to me and since then, it seems that there is no more mistrust and no more lies between us. For that reason, I am gladly leaving a testimonial on this page, which I believe will help solve many relationship case, just contact manifestspellcast@yahoo.com

James K.

This is my testimony of how I earned $ 528.8 million Powerball lottery
jackpot. I want to use this opportunity to thank the high priest
Oluwajesu winning spell casting for me to win the lottery $ 528,800,000
lottery ticket. I played the lottery for many years now and I last won
any. Since then I have been able to win any lottery and I was so angry
and I need help to win this mega millions lottery. so I decided to go
online and seek help, there I saw so many good testimony of this
man called High Priest Oluwajesu how to cast spell lotto lucky people
to win the lottery. I also contacted, and tell him I want to win the
Powerball lottery, he cast a spell for me, which I use to play and won
the Powerball lottery to $ 528800000. I am so grateful for this man,
just in case you also need it to help you win, you can contact him
through his email: oluwajesutemple@gmail.com and he will help certainly
just the way he helped me. I will be eternally grateful to him and
testify good work he always bore in the world. contact him by e-mail:oluwajesutemple@gmail.com and it will certainly help to win any lottery
for an emergency response his personal call number +2347037842040

Paris Derek

It is a very hard situation when playing the lottery and never won, or keep winning low fund not up to 100 bucks, i have been a victim of such a tough life, the biggest fund i have ever won was 100 bucks, and i have been playing lottery for almost 12 years now, things suddenly change the moment i came across a secret online, a testimony of a spell caster called Dr Miracle, who help people in any type of lottery numbers, i was not easily convinced, but i decided to give try, now i am a proud lottery winner with the help of Dr Miracle, i won $1,000.0000.00 and i am making this known to every one out there who have been trying all day to win the lottery, believe me this is the only way to win the lottery, this is the Real Secret We all have been searching for, You Can Contact Dr Miracle, Via Email (MIRACLESPELLHOME@YAHOO.COM).Com Or His Website On http://miraclespellhome.wix.com/dr-miracles,,, Or Call his Telephone Number +23408071398555,,,,,,,,,,,,,,,,,,,,,

Mary Lincorn

Thank you sir for your genuine spells. I’m MRS MARY LINCORN by name. From USA Taxes I came across many testimonies on net testifying of Dr OROROGUN a voodoo spell caster that will help you cast a LOTTERY spell and give you the rightful numbers to win the lottery after a strong spiritual consultation in his temple with his black magic powers in africa, we didn’t believe it, at first but as life got worst for me and my husband we decided to take a try, now our try has made us a millionaire, my husband have been playing lottery since 7 years now but have not win up to $500,after contacting him he cast the spell and give us the hot winning numbers and we won( 75 MILLIONS DOLLARS) now me and my husband am are living testimony of the good works of Dr OROROGUN A gifted man with a great powers, it is our secret but we decided to make the world known to it as it might be a help to any one who is interested, note according to the testimony of others he also cast spell for incurable viral disease Email him via (ororogunherbalhome@gmail.com) or call +2349033470441…..yours faithful client MARY LINCORN

mariam eve

hello viewers I came across many testimonies on net testifying of Dr eguaga a voodoo spell caster that will help you cast a LOTTERY spell and give you the rightful numbers to win the lottery, i didn’t believe it, at first but as life got harder i decided to take a try, now my try has made me a millionaire, i have been playing all types of lottery since 7 years now but i have not win up to $1000,after contacting him he cast the spell and give me the hot figures behold i won $20,000,000.00 now i am a living testimony of the good works of Dr eguaga A gifted man with a great powers, it is my secret but i decided to make the world known too. It might be a help to any one who is interested, this happens last week ago you are free to contact him or email him dreguagaendofapinspelltemple@gmail.com. he is also on whats app +2348162914633 or call him on this number +2349067093949

mariam eve

hello viewers I came across many testimonies on net testifying of Dr eguaga a voodoo spell caster that will help you cast a LOTTERY spell and give you the rightful numbers to win the lottery, i didn’t believe it, at first but as life got harder i decided to take a try, now my try has made me a millionaire, i have been playing all types of lottery since 7 years now but i have not win up to $1000,after contacting him he cast the spell and give me the hot figures behold i won $20,000,000.00 now i am a living testimony of the good works of Dr eguaga A gifted man with a great powers, it is my secret but i decided to make the world known too. It might be a help to any one who is interested, this happens last week ago you are free to contact him or email him dreguagaendofapinspelltemple@gmail.com. he is also on whats app +2348162914633 or call him on this number +2349067093949
……………

Josh E. C.

Yeah if you pay and don’t win anything back its a tax. but if you make back more than what you won, it’s still a win for fed and state plus whatever local but more for the winner(s) who will see most of the money after taxes. That is is they don’t live in NYC where you pay 8.82 plus 3.8+ to the City for a total more than 12 on top of the 25 up front plus now 14,6 at tax refund/payment time in April to the IRS aka the Feds.
In most part i agree, but as I said, if the lucky person is the winner even if its shared with others who may also have won, they all come out on top no matter how much taxes owed up front plus additional come tax time for any additional payment. Even is the winner comes out with less than what was payed in taxes. The smarter folks who go with annuity are still going to win and even more so in those 30 payments over 29 years. And even more so if they invest most of those payments in investments that actually payout as advertised.

I
am so overwhelmed and grateful to Dr. Ugo Wonder and the magic he did
done that made me win millions of dollars in lottery. I would like to
say,-Thank you. I was on the edge of losing my house and so many things
around me, so I asked a lottery spell from Dr. Ugo Wonders, so that I
will be able to save my house and come up with payment options. He
helped me with his magic spell and i won 3,000,000 dollars. all thanks
goes to Dr. Ugo Wonders for what he has just done for me. Sure
enough,-what I asked for. You have proven over and over again that you
are the best and genuine spell caster. any body out there that is
reading ths my testimony,you have to hurry and get in touch with
powerful Dr. Ugo Wonders,so that he can help you to win millions with
lottery through his email at generalspelltemple@gmail.com or WhatsApp Number: +1 (518)855-8371

I came across many testimonies on net testifying of Dr Blake a voodoo spell
caster that will help you cast a LOTTERY spell and give you the rightful
numbers to win the lottery, i didn’t believe it, at first but as life got
harder i decided to take a try, now my try has made me a millionaire, i
have been playing all types of lottery since 7 years now but i have not win
up to $1000,after contacting him he cast the spell and give me the hot
figures behold i won( FIFTY MILLIONS DOLLARS) now i am a living testimony
of the good works of Dr Blake A gifted man with a great powers, it is my
secret but i decided to make the world known too. It might be a help to any
one who is interested, this happens last week ago you are free to contact
him now :{hinduvoodoospellcaster@gmail.com} OR {hinduvoodoospellcaster@yahoo.com} and he will surely help you to win any
kind of lottery AND for urgent response call his personal number
+2348077544690

Jason Stallone

I came across many testimonies on net testifying of Dr Blake a voodoo spell
caster that will help you cast a LOTTERY spell and give you the rightful
numbers to win the lottery, i didn’t believe it, at first but as life got
harder i decided to take a try, now my try has made me a millionaire, i
have been playing all types of lottery since 7 years now but i have not win
up to $1000,after contacting him he cast the spell and give me the hot
figures behold i won( FIFTY MILLIONS DOLLARS) now i am a living testimony
of the good works of Dr Blake A gifted man with a great powers, it is my
secret but i decided to make the world known too. It might be a help to any
one who is interested, this happens last week ago you are free to contact
him now:{hinduvoodoospellcaster@gmail.com} OR {hinduvoodoospellcaster@yahoo.com} and he will surely help you to win any
kind of lottery AND for urgent response call his personal number
+2348077544690

Stephen Lernado

I’m proud
sharing this wonderful review on how i won $1 million dollars on power ball
lottery with the help of Dr HENRY’s powerful spells because it worked for me..
I worked in accounting for about 20 years and was barely able to make ends
meet. It seemed like any time I moved up in the company and received a raise,
my living expenses would go up significantly and I was never able to get ahead.
I came across many comments of people online testifying of Dr HENRY, a real
voodoo lottery spell caster that will help you cast a LOTTERY spell and give
you the rightful numbers to win the lottery, i didn’t believe it at first, but
as life got worse daily i decided to take a try, now my try has made me a
millionaire, Behold i won $1,000,000.00 USD (ONE MILLIONS DOLLARS). Since the
day i played the wonderful numbers, my life has changed and i am now a living
testimony of the good works of Dr HENRY a gifted man with great magical powers.
it is my secret but i decided to make the world known to it as it might be of
help to anyone who play any kind of lottery. I won $1,000,000.00!! I could not
believe it! It was not enough money to retire right away, but I invested it
well and it has allowed me to go down to part time work and will help me retire
much earlier. I am eternally grateful to Dr HENRY for helping up to success. i
recommend everyone who plays lottery and really want to win big to contact this
spiritual spell caster for LOTTERY WINING NUMBERS, FOR CASINO GAMBLING, POWER B ALL, LOTTO MAX,
EUROMILLION JACKPOTS on Email { permanentspellcast@yahoo.com } his website https://permanentspellcaster.wordpress.com
and Whatsapp or call him
+2348100663964

Hello viewers, I living in South Africa My name is Charlotte Keagan I am very happy to share this amazing testimony, i was hurt and heart broken when my husband left me with our two children, i was confused and didn’t know what to do, i loved him so much, i tried all i could to bring him back but to no avail, on one faithfully day as i was coming from work i met a friend of mine whom i explain my problem to, and she told me of a spell caster called “Dr Sambo” whom also make her pregnant when she was looking for a child, i contacted the spell caster through the email she gave to me, and the spell caster told me what to do and i did exactly as i was told, to my grates surprise, my husband who has not called me for a very long time, called me and start apologizing for all the wrongs he did to me, and now he loved me more than ever before, brothers and sisters if you are passing through any kind problem contact him and i give you 100% guarantee that he will solve your problems. this is his contacts divinespellhome https://uploads.disquscdn.com/images/3ed4139c2c52297bcefedce4823ff0729238dc6f18c20ec069a5c622b55c4b8d.jpg @gmail.com or contact him on his whatsapp mobile line +2348145810121

Leann Doyle

Hello viewers, I am very happy to share this amazing testimony, i was hurt and heart broken when my husband left me with our two children, i was confused and didn’t know what to do, i loved him so much, i tried all i could to bring him back but to no avail, on one faithfull day as i was comming from work i met a friend of mine whom i explain my problem to, and she told me of a spell caster called “Dr oduMA ” whom also make her pregnant when she was looking for a child, i contacted the spell caster through the email she gave to me, and the spell caster told me what to do and i did exactly as i was told, to my gratest supprise, my husband who has not called me for a very long time, called me and start appologizing for all the wrongs he did to me, and now he loved me more than ever before, brothers and sisters if you are passing through any kind problem contact him and i give you 100% guarantee that he will solve your problems. this is his contacts odumaspelltemple0@gmail.com +2347055176615

GEORGE DICKERSON

My name is GEORGE DICKERSON”I couldn’t believe myself that my dream has come true to provide my family with a healthy environment where they can have better education and opportunities for their future. I would tell everyone to go for it and they must be lucky as i’m today. I would definately recommend Dr Savior for any intended lottery player who’s tire of not winning big, Contact him niw via email “POTENTIALSPELLTEMPLE@GMAIL.COM” —- GEORGE DICKERSON -7455 W Colfax Ave, Lakewood, CO 80214, USA.

I’m a Taxi driver who has hope in winning big in the lottery draws but always go home disappointed with few dollars or non, Many successful lottery entrants/winners of lottery games have said their winning combinations came to them through the help of voodoo lottery spell casters but i never believed in such tales because whenever i visit the spell site there’s always positive and negative stories about the spell caster , After involving in gassy motor accident and got my cab damage there was no insurance to replace the cab for me so i turned back to baby sitter and errant man so disdain and shameful, I told my wife about the spell casters helping people with winning numbers but been scared not to be tricked so advise we should give it a try behold it’s a fantastic outcome i won one million dollars (1,000,00$) I contact a man called Dr Saviour after narrating my ordeal to him he promised to help me win the lottery games that he has been helping so many Americans and others at large in such situation after reaching an agreement with him he casted the lottery spell for me, I was pleasantly surprised when I found out that I was the lucky winner of USA IA Lottery program. when I receive a letter I was very very happy and now my conclusions is that Dr Saviour is a wonderful and guinue spell caster and I didn’t expect to win in this big in the draw I think you are the best and I recommend you to all my friends. Thanks to god for leading me to you my days of financial sorrow is over! I think they will make a good choice by choosing Dr Saviour to cast the lottery spell for them, Contact him now via email address and get your winning numbers immediately “POTENTIALSPELLTEMPLE@GMAIL.COM”

GEORGE DICKERSON

My name is GEORGE DICKERSON”I couldn’t believe myself that my dream has come true to provide my family with a healthy environment where they can have better education and opportunities for their future. I would tell everyone to go for it and they must be lucky as i’m today. I would definately recommend Dr Savior for any intended lottery player who’s tire of not winning big, Contact him niw via email “POTENTIALSPELLTEMPLE@GMAIL.COM” —- GEORGE DICKERSON -7455 W Colfax Ave, Lakewood, CO 80214, USA.

Bryon Stewart

Thank you sir for your genuine spells. I’m Bryon Stewart by name. From USA Taxes I came across many testimonies on net testifying of Dr Ogudu a voodoo lottery spell caster that will help you cast a LOTTERY spell and give you the rightful numbers to win the lottery, i didn’t believe it, at first but as life got tougher i decided to take a try, now my try has made me a millionaire, i have been playing all types of lottery since 7 years now but i have not win up to $500,after contacting him he cast the spell and give me the hot winning numbers and i won( TWO MILLIONS DOLLARS) now i am a living testimony of the good works of Dr Ogudu A gifted man with a great powers, it is my secret but i decided to make the world known to it as it might be a help to any one who is interested, Email him (Oguduspelltemple@yahoo.com)

Melissa Ede

My testimony on how i won £4,000,000 with the great help of Dr Davi powerful lottery spell: Call him +55 (11) 97732-4658
It’s unbelievable how fortunate I feel after finding your website. For the past 14 years, I have been looking for a way on how i will win lottery. Money situation was one of the biggest problem to me. I had a huge amount of debt and I didn’t know what to do. Out of complete and total desperation, I contacted many of those so-called individuals who promised powerful magic to win the lottery, witchcraft or black magic. None of them worked and none were as wonderful, affectionate and warm as Dr Davi has been. He is definitely different from the others and I felt immediate hope and strength from hearing about the promises he had to offer. He carries an air of purity and divine strength that is as pure as fresh snow on the ground. I requested Dr Davi most powerful spells and I was relieved right away that I had someone to solve my problems for me. His spells worked wonders,i won (Four Million pounds) my money troubles resolved itself after winning the lottery. My life change over night,i now have my own house and two cars,also i am free from my debts. Dr Davi, I have no idea what I would have done without you being there to help me out. If you are there and you need a powerful magic to win the lottery,Dr. Davi is the right person you need to trust and work with,i promise you that you will also win and share your own testimony. You can contact him via email:

Spelltemple@fastmail. com Call or text him +55 (11) 97732-4658

Mike J

My testimony on how i won lottery with Dr. Davi magic lottery winning numbers: If you are out there looking for a good spell caster to win lottery,search no more Dr. Davi is the right contact you need and i assure you that you will also win and be happy like me.

My name is Mike Jeff. Dr. Davi cast a spell for me per my request. I bought a lottery ticket the day you cast my spell. Guess What guys? I hit 4 of 6 and won 7,000.000.00 Dollars! Then I received a letter from the hospital stating that the $ 7,000.00 bill I owed was settled .I want you to know that, your lottery spell have make me to win millions of dollars. Then a week later I won 5000.000.00 thousand dollars,Thank you Dr Davi for your genuine spell. Am very grateful for what your wonderful lottery numbers did for me, i own a house and a car right now. Am free from debts.thank you for casting the lottery spell for me. I was trying to settle a job action and after the lottery winning spell you did, I received a settlement. I am now self employed. If you are at there looking for a real and a genuine spell caster,search NO MORE. Dr. Davi is there to help you to win and be rich forever . contact him. Spelltemple@fastmail. com Call me on his mobile phone: +55 (11) 97732-4658

Corey Donovan

I can’t express how grateful I am to Dr BEN for helping me to win $1 million dollars in lottery. I’m Corey Donovan from Colorado USA I love to play lottery but I have never won but I believed that I will win a huge amount of money in lottery someday, when I search on how to win a lottery I came across Dr BEN email when someone was testifying on how Dr BEN helped him to win a lottery I email him and told him that I need lotto numbers after sometime he send me the lotto numbers after playing it I won $1 million dollars thanks to Dr BEN. If you need lotteries numbers email Dr Ben at voodoospelltemple80@gmail.com you can also add him up on whatsapp +2347052303148….

Hector Kit

It is a very hard situation when playing the lottery and never won, or keep winning low fund not up to 100 bucks, i have been a victim of such a tough life, the biggest fund i have ever won was 100 bucks, and i have been playing lottery for almost 11 years now, things suddenly change the moment i came across a secret online, a testimony of a spell caster called Dr, BEN who help people in any type of lottery numbers, i was not easily convinced, but i decided to give try, now i am a proud lottery winner with the help of Dr BEN, i won $1,000.0000.00 and i am making this known to every one out there who have been trying all day to win the lottery, believe me this is the only way to win the lottery, this is the real secret we all have been searching for, you can contact Dr BEN via email voodoospelltemple80@gmail.com or you can add him up on his whatsapp number +2347052303148….

Corey Donovan

I can’t express how grateful I am to Dr BEN for helping me to win $1 million dollars in lottery. I’m Corey Donovan from Colorado USA I love to play lottery but I have never won but I believed that I will win a huge amount of money in lottery someday, when I search on how to win a lottery I came across Dr BEN email when someone was testifying on how Dr BEN helped him to win a lottery I email him and told him that I need lotto numbers after sometime he send me the lotto numbers after playing it I won $1 million dollars thanks to Dr BEN. If you need lotteries numbers email Dr Ben at voodoospelltemple80@gmail.com.

Laura Morgan

How to win lottery,Lottery spell that work fast,Spell for lottery,Spell for lottery numbers,Lottery lucky spell. Check on Dr Agbebaku spell temple.

Lottery is something majority of the people in the world want to win. I am a woman who believe that one day i will win the lottery. Finally my dreams came through when i email Dr Agbebaku. and tell him i need the lottery numbers. i have come a long way spending money on ticket just to make sure i win. But i never know that winning was so easy until the day i meant the spell caster online which so many people has talked about that he is very great in casting lottery spell with winning numbers,that the winning numbers are 100% guarantee that you must win the lottery. So i contacted him also and told him I want to win a lottery,he cast a spell and gave me lucky winning number which I use and I played and won $758,700,000 (Seven Hundred Forty-Eight Million,Seven Hundred Thousand!!) This man is a very strong voodoo doc who gives out the numbers that can never fail. Your Lotto spell made wonders, I can’t believe it. Thank you so much sir for dedicating your time to cast the Lotto spell for me.”I am eternally grateful for the lotto spell Dr. Agbebaku did for me. Incase you also need him to help you win, you can contact him through his email:dragbebakuspelltemple@gmail.com or call him on +13157951518 or his whatsap number +2349053099479 …………………,

Tara Asin

Hello am Tara Asin. am 53yrs,I just want to share a brief story on how i won the US LOTTERY POWER BALL on August 23,2017 with the winning i got from a Lottery spell caster, Priest Allen Aziba. This voodoo man has make me believe that voodoo is real and it works. I seek a lottery spell (voodoo) from him and he gave me the right numbers to hit the US lottery POWERBALL, It was easy, fast, but i was doubting every bit of it that i might not win the lottery because i have already spend a lot on the online tips and software which turns out to be a waste .but Priest Allen Aziba. prove me wrong and delivered to me the numbers to win the lottery after casting the spell and i won $500.000 and more, you can see for your self here (http://www.mlive.com) without wasting time I settled all my debt immediately and i must tell you this is the secret behind winning any lottery game. i recommend you to contact Priest Allen Aziba for your winning numbers lets make the world a happy place to live inn Contact him via Email:[ Priestazibasolutioncenter@gmail.com ]or via website: [ https://drallenhealingcureworldwide.webs.com/ ] Priest Allen Aziba WhatsApp contact [ +2348100368288 ],.

Ana adams

It is a very hard situation when playing the lottery and never won, or keep winning low fund not up to 100 bucks, i have been a victim of such a tough life, the biggest fund i have ever won was 100 bucks, and i have been playing lottery for almost 11 years now, things suddenly change the moment i came across a secret online, a testimony of a spell caster called Dr, Agbebaku who help people in any type of lottery numbers, i was not easily convinced, but i decided to give try, now i am a proud lottery winner with the help of Dr Agbebaku, i won $1,000.0000.00 and i am making this known to every one out there who have been trying all day to win the lottery, believe me this is the only way to win the lottery, this is the real secret we all have been searching for, you can contact Dr Agbebaku via email dragbebakuspelltemple@gmail.com or call his telephone number [ +1 (315) 795-1518 ].

Olivia Edward

How to win lottery,Lottery spell that work fast,Spell for lottery,Spell for lottery numbers,Lottery lucky spell. Check on Dr Agbebaku spell temple.

Lottery is something majority of the people in the world want to win. I am a woman who believe that one day i will win the lottery. Finally my dreams came through when i email Dr Agbebaku. and tell him i need the lottery numbers. i have come a long way spending money on ticket just to make sure i win. But i never know that winning was so easy until the day i meant the spell caster online which so many people has talked about that he is very great in casting lottery spell with winning numbers,that the winning numbers are 100% guarantee that you must win the lottery. So i contacted him also and told him I want to win a lottery,he cast a spell and gave me lucky winning number which I use and I played and won $758,700,000 (Seven Hundred Forty-Eight Million,Seven Hundred Thousand!!) This man is a very strong voodoo doc who gives out the numbers that can never fail. Your Lotto spell made wonders, I can’t believe it. Thank you so much sir for dedicating your time to cast the Lotto spell for me.”I am eternally grateful for the lotto spell Dr. Agbebaku did for me. Incase you also need him to help you win, you can contact him through his email:dragbebakuspelltemple@gmail.com or call him on +13157951518 or his whatsap number +2349053099479 ….

New World

Everyone here on internet This is my first time to believe a VOODOO

SPELL CASTER,Straight away after Dr.PAPA cast the Lottery spell for me, I

felt enveloped by the control of the spell. This spell change my life into

riches. I am now out of debts and experiencing the most amazing good luck

with lottery after i won a huge amount of money. I have more luck now than

I ever had in my life. i won ( $73,000,000). Dr PAPA, Your Lottery spell

made wonders, I can’t believe it. Thank you so much sir for dedicating

your time to cast the Lottery spell for me.I am eternally grateful for the

lottery spell Dr PAPA. did for me. You can email him for you own lottery
number Email: greatpapax@gmail.com , whatsapp +2348106431263 ,you can as well contact me for more information about DR PAPA

Carol S

Hi everybody. I recently saw a testimony about Dr. Todd in a blog I visit for relationship and dating counseling problems because i had been having serious issues with my boyfriend and we had been dating for six months, he just suddenly changed,he wasnt returning my calls,he started cheating,he was hurting me in many ways i never thought possible and I just thought I should try it*maybe out of desperation of some sort*..and I contacted Dr. Todd..At first everything felt dreamy and unbelievable,his consultations and solution was a little bit easy and strange and I was scared a little coz I heard read and heard lots of stories of fake spell casters,scams and i never really believed in magic..I played along with a little hope and and faith and I sent some few stuffs after everything and it worked like a miracle,everything went to a while new direction,it was and is amazing…I guess it was all good faith that made me read That particular post that faithful day..I hope he could help other people too like he did me…I did a little and I got everything I wanted and wished for*my husband,my family and my life back. E-mail: manifestspellcast@gmail.com call/text: +1 (830) 239 0730 website:https://manifestspellcast.wordpress.com

LINDA ELIZABETH

This is your loving daughter LINDA ELIZABETH from USA,Dr do you remember me? I asked for a free lottery spell, reason being I needed to pay school fees for my children and stated that I am disabled so needed something easy. In return you mailed me a lottery spell chant that worked for me. There are very few people like you who are out there. My heart will always bless you. Please keep me in prayers.I am not a stupid women that i will come out to the public and start saying what someone have not done for me.anyone who needs help, contact him yahoo mail,odialotteryspell@yahoo.com or call him whats App number +2347059055577.

Vivian Jacobi

Hello all my viwer I won the lottery with the help of Dr.clement,a great spell caster whom i contacted with the aim of given me any tip or idea on how to win the lottery, Jane is a friend of mine who never play the lottery but on a good day Jane told me she come across a contact of a Dr. who help in winning the lottery, so she reserved the contact for me and when i contacted the Dr he told me its going to take at least 27 hours to cast the spell which i was a little bit confuse because i was expecting a tip or a form of law of attraction,to cut it all short after the spell Dr.Poula gave me the winning numbers and when it will be valid and behold i won $2M,i am forever grateful, contact almightspellhome@yahoo.com

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